Saving on your Auto Insurance

If you plan on driving in Georgia, you must carry auto insurance. Of the six million drivers in the Peach State, about 12 percent do not have coverage. Don’t let yourself be a statistic; get an auto insurance quote in the amount of 25/50/25. In Georgia, you risk losing your driving privileged for up to 90 days if you are caught without insurance. By getting an auto insurance quote or proof of insurance you may be able to get your suspension revoked. But getting it annulled means having to pay a registration fee for the vehicle you were operating at the time of citation.

If you have not had constant coverage for 10 days or more, you can be obligated to pay a $25 lapse fee to coincide with a $60 reinstatement fee before you can even renew your Georgia plates; for repeat offenders, your fee will likely increase in the amount of $160. In Georgia, those found to be driving with suspended registration are charged with a misdemeanor. So do not risk driving without coverage, take precautions by getting an auto insurance quote, and you will be happy you did.

Georgia DUI Law

If you are caught drinking and driving in Georgia, you will face a conviction—even if you are under the influence of prescription medication. Furthermore, if you refuse to take a sobriety test, under the state’s implied consent law you will face an automatic license suspension for one year.

The blood alcohol concentration level limit in the state of Georgia is 0.08%, although if you are caught with a BAC of 0.15% or higher you could even harsher charges. Drinking and driving may also raise your auto insurance quotes in the long run, because insurance companies will see you as a high risk driver with a history of recklessness on the road.

Georgia Teen Driving Laws/Auto Insurance Requirements

In order to begin Georgia’s Graduated Licensing program (GDL), teens must be at least 15 years of age to obtain a learner’s permit. After this they must hold the permit for a year without incident, and during that time they must complete at least 40 hours of supervised driving with a guardian or adult.

DUI laws in Georgia state that it is against the law for any teen to drive with a BAC of 0.02% or higher. If a teen is caught drinking and driving, they may face license suspension for up to 90 days.

Teens must drive with the Georgia state minimum liability coverage. However, it is strongly advisable for teens to drive with more coverage than the minimum amount. Teens can lower their auto insurance premiums by maintaining a B average in school and completing a state approved driver safety program.

If you are looking for cheap car insurance, there are a number of factors you should consider before choosing a specific policy. Type of coverage, initial cost and deductible amount are among those factors. Depending on which policy you choose, deductibles can range from $250 to $1500.

To clarify, a deductible is the amount of money you pay out of pocket to cover damage caused by a possible collision. Usually, auto insurance deductibles have both collision and comprehensive policies, and if you pay a lower deductible, you can expect higher car insurance quotes.

If you are using the internet to find car insurance, make sure to browse different insurance providers’ websites for details on their policies. Each should assign different rates for different deductible amounts. If you choose a policy with a higher deductible, you can save money in the immediate sense, but beware—if you are ever involved in a serious accident, you may find that you don’t have the cash to pay out of pocket.

Often, an insurance company will adjust a deductible to fit your policy, and your budget. Selecting the correct policy can help protect you in case of an accident and give you peace of mind. An average comp and collision deductible is usually around $500 on most policies.

When you are visiting an insurance company’s website, you will see that deductibles can be calculated using an online tool. This is helpful in letting you know how much you can expect to pay, and you can plan your budget accordingly.

Using websites as a way to shop for vehicle insurance makes it easier to compare different providers. A little online research really can go a long way. Often, these websites provide their own rates, as well as the rates of other companies. By looking at the rates side by side, you can get a better idea of what you will have to pay, and find the most affordable plan.

While online insurance websites can be helpful, you should also contact the company’s helpdesk or a representative in order to get direct contact with an individual who can better answer your questions. Some websites even support live chat features. This is sometimes better than having to wait for an email or be put on hold while calling.

Time spent researching is time well spent. In the end it will save you money and give you a more accurate idea of what you can expect from your policy. The Internet is a valuable tool when it comes to saving money on car insurance and deductibles and it will ultimately help you find lower auto insurance quotes.

Florida residents must carry a ratio of 10/20/10 liability auto insurance: $10,000 of Liability Bodily Injury coverage per person injured; $20,000 of Liability Bodily Injury coverage per accident; $10,000 of Property Damage coverage per accident. With more than 10 percent of all drivers in this state without insurance coverage, it may be in your benefit to get an online auto insurance quote to ensure more than your car, but your livelihood too.

If you drive without insurance in the state of Florida, you will face penalties. Under Florida’s Financial Responsibility Law, you must be covered with the state’s minimum liability requirement if you face a DUI, if you cause a crash that results in injury, and if you have your license revoked for too many traffic violations. If you are caught without insurance, your future car insurance quotes will rise as well.

Florida DUI Law

Florida follows an “implied consent” law: that is, when you get your driver’s license in this state, you are agreeing to submit to an alcohol and drug test if you are pulled over for any reason, of if an officer suspects you are driving under the influence. To refuse to take this test will result a license suspension for up to a year.

The blood alcohol concentration level limit in the state of Florida is 0.08%, although if you are caught with a BAC of 0.15% or higher you could even harsher charges. Drinking and driving may also raise your auto insurance quotes in the long run, because insurance companies will see you as a high risk driver with a history of recklessness on the road.

Florida Teen Driving Laws/Auto Insurance Requirements

In order to begin the Graduated Licensing program (GDL), teens in Florida must be at least 15 years of age and no older than 16 in order to obtain a learner’s license. After achieving this license, they must complete at least fifty hours of supervised driving, including ten hours at night. They must also hold the learner’s restricted license for one year. At 16-17 a teen may then apply for a Class E restricted license.

DUI laws in Florida state that it is against the law for any teen to drive with a BAC of 0.02% or higher. If a teen is caught drinking and driving, they may face license suspension for up to 90 days.

Teens must drive with the Florida state minimum liability coverage. However, it is strongly advisable for teens to drive with more coverage than the minimum amount. Teens can lower their auto insurance premiums by maintaining a B average in school and completing a state approved driver safety program.